How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. Credit unions that are losing money, however, are less able to do those things.
WARD fell behind the national average on Bankrate's test of earnings, achieving a score of 0 out of a possible 30.
One sign that WARD is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.